Car loan statement generates around the 23rd of each month. Due by the 20th of the following month. 10 days grace without a late fee; days 11-30 $25 late fee but not reported to credit reporting co’s, days 31+ can be reported.

We are at Day 33, finally collected enough $ with the odds and ends job to make the car payment.

Went to go make the payment online. Now that a new statement has generated my account shows (correctly) the past due payment, and the current payment.

Which is enough at Hells Fargo, to CLOSE MY ABILITY TO MAKE A PAYMENT ONLINE. My only choice (their words) is “to call and make a payment over the phone. Yes there’s a fee.”

I’m like….do you get paid EXTRA to lie, and does that even make sense? Why would you make it HARDER for people to get money to you?

Answer: Well, it’s IMPORTANT that you CALL US so we can find out what’s going on. That’s why we shut it off if you go past 30 days.

I’m like, really? That’s funny, because when I CALLED YOU last month to try and work something out, you told me to jump off a cliff.

I said, so you’re saying my only option is to make a payment over the phone? I can’t send you a check?

She goes, well, yeah, you can send a check, but it’s better to make a payment over the phone. I’m like, unless you’re going to waive the “payment fee”, no thanks. I’ll send a check.

I cannot wait to pay these people off and NEVER GET ANOTHER CAR LOAN THE REST OF MY LIFE.